Privacy Policy

Effective Date: Sep 22, 2025

whealthy (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our website, services, or digital tools.

1. Information We Collect

We may collect the following types of information:

• Personal Information You Provide

• Name, email address, phone number, mailing address (e.g., through donations, subscriptions, or contact forms).

• Payment details when making a donation (processed securely by third-party payment providers; we do not store full payment information).

• Automatically Collected Information

• IP address, browser type, device information, and pages visited (via cookies, analytics, or similar technologies).

• User-Generated Information

• Feedback, survey responses, or other content you voluntarily provide.

2. How We Use Your Information

We use your information to:

• Process donations and issue tax receipts.

• Provide newsletters, updates, and resources (if you subscribe).

• Improve our website, tools, and services.

• Respond to inquiries and provide support.

• Meet legal, tax, and regulatory obligations.

3. Sharing Your Information

We do not sell or rent your personal information. We may share it only in limited cases:

- With trusted service providers (e.g., payment processors, email platforms) under strict confidentiality agreements.

- If required by law, regulation, or legal process.

4. Cookies & Tracking

We use cookies and similar technologies to improve your browsing experience, analyze traffic, and understand user behavior. You may disable cookies in your browser settings, though some site features may not function properly.

5. Data Security

We take reasonable measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no method of online transmission or storage is 100% secure.

6. Your Choices

• Opt-Out of Communications: You may unsubscribe from emails at any time by clicking the “unsubscribe” link.

• Access or Update Your Information: Contact us to request corrections or updates.

• Data Deletion: You may request that we delete your personal information, subject to legal or financial record-keeping requirements.

7. Children’s Privacy

Our services are intended for individuals 18 and older. We do not knowingly collect personal information from children under 13.

8. International Users

If you access our site outside the United States, note that your data may be transferred to and processed in the U.S. where privacy laws may differ from your country.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The “Effective Date” at the top will reflect the latest version.

10. Contact Us

If you have questions about this Privacy Policy or your information, please contact us:

whealthy

Email: hello@getwhealthy.org

Mailing Address: 5900 Balcones Drive # 25484 Austin, TX 78731

11. Commitment to Accessibility

whealthy is committed to making our website accessible to the widest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of our website and, in doing so, adhere to many of the available standards and guidelines.

Guidelines and Standards

We are committed to following the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level. These guidelines, developed by the World Wide Web Consortium (W3C), provide a framework for making web content more accessible for people with disabilities. We strive to meet these standards and continually improve our website to ensure a positive user experience for all.

Ongoing Efforts

Our ongoing accessibility efforts include:

Design: We incorporate accessibility into our design process to ensure that new features and content are built with accessibility in mind.

Testing: We regularly conduct internal audits and use automated tools to identify and address potential accessibility barriers.

Training: Our team is trained on accessibility best practices to maintain our commitment to an inclusive user experience.

Feedback

We welcome your feedback on the accessibility of the whealthy website. If you encounter any accessibility barriers, please contact us at support@getwhealthy.org. We will make every reasonable effort to accommodate your needs and will work with you to provide the information you need.

12. Data Retention Policy

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period for your data depends on the purpose for which we collected it. For example, we are required to retain certain financial transaction data for a period mandated by tax and accounting laws. Similarly, we may retain your email address for marketing purposes until you unsubscribe from our communications. Upon the conclusion of the retention period, or upon your valid request for deletion (where no legal or financial obligation exists), we will securely delete or anonymize your personal information.

Terms of Use

Effective Date: Sep 22, 2025

Welcome to whealthy (“we,” “our,” or “us”). By accessing or using our website, digital tools, or services (collectively, the “Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use our Site.

1. Purpose of the Site

whealthy is a 501(c)(3) nonprofit organization providing educational resources, tools, and programs to promote financial well-being. Content is for informational and educational purposes only and should not be considered financial, legal, or medical advice.

2. Eligibility

You must be at least 18 years old to use this Site, subscribe, or provide personal information.

3. Intellectual Property

All content on the Site—including text, graphics, logos, images, videos, and software—is owned by whealthy or its licensors and is protected by copyright, trademark, and other laws.

* You may view, download, and print content for personal, noncommercial use only.

* You may not reproduce, distribute, modify, or exploit our content without written permission.

4. Donations & Payments

Donations made through our Site are voluntary and non-refundable.

All donations support whealthy’s mission and may be tax-deductible as permitted by law our EIN # : 39-2200492.

Payments are processed securely by third-party vendors; we do not store complete payment details.

5. User Responsibilities

When using our Site, you agree not to:

Violate any laws or regulations.

Interfere with Site security or functionality.

Post or transmit harmful, unlawful, or misleading content.

Attempt to gain unauthorized access to our systems or data.

6. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for their content, policies, or practices. Use at your own discretion.

7. Disclaimer of Warranties

We strive to provide accurate and reliable content, but we make no guarantees about:

The accuracy, completeness, or timeliness of information.

Uninterrupted, secure, or error-free Site operation.

All content is provided “as is” without warranties of any kind.

8. Limitation of Liability

To the fullest extent permitted by law, whealthy shall not be liable for any damages (direct, indirect, incidental, consequential) arising out of your use of, or inability to use, the Site or its content.

9. Indemnification

You agree to indemnify and hold harmless whealthy, its officers, employees, and volunteers from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

10. Changes to Terms

We may update these Terms of Use at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

12. Contact Us

For questions about these Terms of Use, please contact us:

whealthy

Email: info@getwhealthy.org

Mailing Address: 5900 Balcones Drive # 25484 Austin, TX 78731

13. Dispute Resolution / Arbitration

All disputes arising from your use of this Site or these Terms shall be resolved exclusively through binding arbitration under the rules of the American Arbitration Association (AAA) in Texas. You waive the right to a jury trial or class action. Small claims may still be filed in a court of competent jurisdiction. Each party bears its own costs unless otherwise required by law.

14. User-Generated Content

By submitting comments, testimonials, feedback, or other content (“User Content”) to this Site, you grant Whealthy a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such content to advance our mission. You represent that you own or have rights to the content, and its use does not violate the rights of others. Whealthy reserves the right to remove any User Content at its discretion.

15. Copyright / DMCA Policy

whealthy respects intellectual property rights. If you believe material on our Site infringes your copyright, send a written notice to our DMCA Agent at dmca@getwhealthy.org or write to 5900 Balcones Drive # 25484 Austin, TX 78731 with:

Your signature (physical or electronic).

Identification of the copyrighted work.

Identification and location of the infringing material.

Your contact information.

A good-faith statement that the use is unauthorized.

A statement under penalty of perjury that you are authorized to act.

Upon receipt, we may remove or disable access to the content. Repeat infringers may have accounts terminated.

16. Additional Protections to Consider Including

Termination of Use: Right to suspend or terminate access for policy violations.

Limitation of Liability: Limits your liability exposure if users rely on site content.

Indemnification Clause: Users agree to indemnify whealthy against claims arising from misuse of the site.

Reservation of Rights: States that whealthy may update or modify the Site or Terms at any time.

Frequently Asked Questions (FAQs)

Welcome to whealthy’s FAQ page. We’ve gathered answers to common questions about our mission, programs, and how you can get involved. If you don’t see your question here, feel free to contact us directly.

About whealthy

What is whealthy?
whealthy is a nonprofit organization dedicated to reducing financial stress and promoting emotional well-being. We provide AI-powered financial education, digital tools, and community support to help people achieve debt-free, financially secure, and healthier lives.

Why does whealthy focus on financial stress?
Financial stress is one of the leading contributors to anxiety, depression, and related health issues. By addressing money challenges with education and empowerment, we help people improve both their financial health and overall quality of life.

Is whealthy a nonprofit organization?
Yes. whealthy is a U.S.-based 501(c)(3) nonprofit. Donations are tax-deductible to the extent allowed by law.

How do I know whealthy’s programs make a difference?
We track outcomes such as the number of people reached, improvements in financial literacy, and participant feedback. Success stories and impact reports are shared on our website to highlight the difference we’re making.

Programs & Services

What types of programs do you offer?
Our programs include interactive financial literacy courses, AI-driven budgeting and planning tools, webinars, workshops, and community resources. We also provide specialized programs tailored for underserved groups facing high financial stress.

Who can benefit from whealthy’s resources?
Anyone experiencing financial stress whether from debt, limited savings, unexpected expenses, or lack of financial education can benefit. Our resources are designed to be accessible to individuals, families, students, and communities.

Are there eligibility requirements for your programs?
Most of our resources are open to everyone. Some specialized programs may be designed for students, low-income households, or workplaces. Eligibility details are always provided on the program’s page.

Do I need to pay to use whealthy’s resources?
Many of our core educational resources and tools are free. Some advanced features, workshops, or personalized services may require a small fee or donation, which directly supports our nonprofit mission.

Does whealthy provide financial assistance or emergency funds?
No. whealthy does not provide direct financial aid or loans. However, we offer tools, education, and referrals to organizations that specialize in emergency assistance.

Getting Involved

How can I support whealthy’s mission?
You can support by donating, volunteering, partnering with us, or simply sharing our resources with others. Every contribution whether time, money, or advocacy makes an impact.

Can I volunteer with whealthy?
Yes! Volunteers play a key role in helping us deliver education, events, and outreach. Visit our Careers & Volunteer page to learn more.

How do I donate?
You can make a secure online donation through our website. We also accept recurring monthly gifts, employer matching, and legacy giving. A donation receipt is provided for tax purposes.

Does whealthy accept grants or corporate sponsorships?
Yes. We welcome support from foundations, businesses, and community partners. Sponsorships, workplace programs, and grant partnerships are important in scaling our impact.

Privacy, Security & Technology

Is my financial data safe with whealthy?
Yes. Protecting your privacy is our priority. We use secure technology, do not sell user data, and follow strict data protection standards.

How does whealthy use AI responsibly?
Our AI tools are designed to simplify learning, provide personalized insights, and empower better decision-making. We are transparent about how AI is used, and we prioritize user privacy, fairness, and data security.

Do you provide personal financial advice?
No. whealthy provides general education, tools, and guidance, but we do not replace certified financial advisors. For specific investment, tax, or legal advice, we recommend consulting a licensed professional.

Accessibility & Inclusion

Are whealthy’s resources accessible?
We are committed to making our programs inclusive and accessible. Our digital tools are designed with accessibility in mind, and we are working toward offering resources in multiple languages to better serve diverse communities.

Do you offer resources for workplaces or schools?
Yes. whealthy partners with employers, schools, and community groups to deliver financial wellness programs that reduce stress and strengthen overall well-being.

General

Where is whealthy based?
whealthy is headquartered in the U.S., but our digital tools and resources are available to anyone with internet access.

How can I stay updated?
Sign up for our newsletter, follow us on social media, or check our website regularly for new programs, events, and updates.

What’s the best way to reach whealthy if I have a question?
You can use our contact us page to send us a message, email our team, or connect through our social media channels. We’d love to hear from you.

Disclaimer

whealthy provides educational content and digital tools designed to promote financial literacy and wellness. We are not a financial advisor, broker, or investment service. The information shared on our site and through our programs is for educational purposes only and should not be considered financial, legal, or tax advice. For personal financial decisions, please consult a licensed professional.